Call reports 2013
LIBERTY BANK N.A. — 2013
What LIBERTY BANK N.A. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 471,601,000 | 464,547,000 | 464,467,000 | 465,790,000 |
| Total loans | 377,740,000 | 381,259,000 | 371,992,000 | 387,698,000 |
| Allowance for loan losses | 4,652,000 | 4,634,000 | 4,634,000 | 4,634,000 |
| Securities available for sale | 45,217,000 | 39,775,000 | 39,520,000 | 34,193,000 |
| Securities held to maturity | 215,000 | 214,000 | 124,000 | 123,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 356,478,000 | 348,116,000 | 350,694,000 | 353,589,000 |
| Interest-bearing deposits | 350,531,000 | 344,633,000 | 340,305,000 | 337,222,000 |
| Noninterest-bearing deposits | 5,947,000 | 3,483,000 | 10,389,000 | 16,367,000 |
| Equity capital | 96,927,000 | 98,155,000 | 99,455,000 | 100,938,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,667,000 | 9,244,000 | 14,016,000 | 18,527,000 |
| Interest expense | 727,000 | 1,521,000 | 2,317,000 | 3,101,000 |
| Net interest income | 3,940,000 | 7,723,000 | 11,699,000 | 15,426,000 |
| Noninterest income | 351,000 | 699,000 | 1,038,000 | 2,225,000 |
| Noninterest expense | 2,265,000 | 4,239,000 | 6,473,000 | 8,937,000 |
| Provision for loan losses | 200,000 | 200,000 | 200,000 | 200,000 |
| Pretax income | 2,128,000 | 4,285,000 | 6,366,000 | 8,816,000 |
| Income tax | 786,000 | 1,563,000 | 2,314,000 | 3,198,000 |
| Net income | 1,342,000 | 2,722,000 | 4,052,000 | 5,618,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 96,319,000 | 97,699,000 | 99,030,000 | 100,595,000 |
| Total capital | 100,996,000 | 102,358,000 | 103,689,000 | 105,254,000 |
| Risk-weighted assets | 472,140,000 | 478,549,000 | 470,940,000 | 488,031,000 |